Who is not required to obtain an insurance license?

The individual mentioned in the correct answer, who is not required to obtain an insurance license, is someone who refers a potential insured to an insurance company without engaging in activities that would require licensing. This could include making casual recommendations or referrals without payment for that referral.

In general, the regulations surrounding insurance licensing are designed to ensure that those who are actively selling or providing insurance services to consumers are trained and knowledgeable about the products they offer. This includes agents, brokers, and claims adjusters, all of whom are required to be licensed to legally practice in their respective roles.

Insurance agents and brokers typically represent the insurers or the insured in negotiating and selling insurance policies, which requires comprehensive knowledge about the insurance laws and products. Claims adjusters also need a license to evaluate claims, as they assess losses and make decisions about payouts based on the policy terms.

Thus, individuals who merely refer others to an insurance company without any additional involvement in the transaction do not fall under the same regulatory requirements as those actively participating in insurance transactions.